FAIM FINIT
ActiveSummary
The computed 12-month bankruptcy probability of FAIM FINIT is 3.5% (moderate). The 2025 annual accounts show equity of €19,833 and a net result of €9,833. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 45% of 13604 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability84▲+8
Solvency49▼-29
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
3.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity short (current ratio 0.65 against 1.61 in 2024; short-term debt: 65% and cash: 26.9% of total assets), and 75.7% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
24.3%
Return on assets
12%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
27 d late
2024
31 d early
2023
26 d late
2022
31 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 2 days before the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 29 July (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Public money How does this company compare with its sector?Sector benchmark
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Financials · fiscal year 2025, micro schema
Equity
€19,833▼ 51.1%
2024 · €40,572
Total assets
€81,683▲ 7.1%
2024 · €76,267
Net result
€9,833▲ 131%
2024 · €4,250
Working capital
-€18,714
2024 · €14,270
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€7,188-€31,725▲ 341%€12,533▼ 60.5%€16,955▲ 35.3%
Net result€4,577within the sector's middle half-€21,746above the sector's middle half▲ 375%€4,250within the sector's middle half▼ 80.5%€9,833within the sector's middle half▲ 131%
Equity€14,577within the sector's middle half-€36,323within the sector's middle half▲ 149%€40,572within the sector's middle half▲ 11.7%€19,833within the sector's middle half▼ 51.1%
Total assets€48,694within the sector's middle half-€62,893within the sector's middle half▲ 29.2%€76,267within the sector's middle half▲ 21.3%€81,683within the sector's middle half▲ 7.1%
Debt€34,117-€26,571▼ 22.1%€35,694▲ 34.3%€61,850▲ 73.3%
Working capital-€10,431within the sector's middle half-€10,918within the sector's middle half€14,270within the sector's middle half▲ 30.7%-€18,714within the sector's middle half
Solvency29.9%within the sector's middle half-57.8%above the sector's middle half▲ 27.8pp53.2%within the sector's middle half▼ 4.6pp24.3%within the sector's middle half▼ 28.9pp
Current ratio0.68within the sector's middle half-1.41within the sector's middle half▲ 0.731.61within the sector's middle half▲ 0.200.65within the sector's middle half▼ 0.96
Return on assets (ROA)9.4%within the sector's middle half-34.6%above the sector's middle half▲ 25.2pp5.6%within the sector's middle half▼ 29.0pp12.0%within the sector's middle half▲ 6.5pp
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 35% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €81,683
Fixed assets
€47,293 ▲ 22.3%
Current assets
€34,390 ▼ 8.5%
Equity and liabilities €81,683
Equity
€19,833 ▼ 51.1%
Debt
€61,850 ▲ 73.3%
Debt's share of the balance-sheet total rises from 46.8% to 75.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€27,436▲
2024 · €16,321
Cash flow
€20,314▲
2024 · €8,037
Quick ratio
0.55▼
2024 · 1.34
Debt to equity
3.12▲
2024 · 0.88
ROE
49.6%▲
2024 · 10.5%
Interest coverage
11.31▲
2024 · 6.73
Debt ≤ 1 year
€53,104▲
2024 · €23,315
Debt > 1 year
€8,516▼
2024 · €12,149
Income taxes
€5,256▼
2024 · €6,131
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,713 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.8%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 3.5% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,713 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,768 | €6,788 | €3,788 | €10,481 | ▲ 177% |
| Other operating charges640/8 | €5,781 | €5,161 | €562 | €3,465 | ▲ 517% |
| Non-recurring operating charges66A | - | - | €5,902 | - | - |
| Gross operating margin9900 | €17,737 | €43,674 | €22,785 | €30,901 | ▲ 35.6% |
| Operating profit (loss)9901 | €7,188 | €31,725 | €12,533 | €16,955 | ▲ 35.3% |
| Financial income75/76B | €184 | €139 | €272 | €558 | ▲ 105% |
| Recurring financial income75 | €184 | €139 | €272 | €558 | ▲ 105% |
| Financial charges65/66B | €578 | €263 | €2,425 | €2,425 | = |
| Recurring financial charges65 | €578 | €263 | €2,425 | €2,425 | = |
| Profit (loss) for the period before taxes9903 | €6,793 | €31,601 | €10,381 | €15,089 | ▲ 45.4% |
| Income taxes67/77 | €2,217 | €9,855 | €6,131 | €5,256 | ▼ 14.3% |
| Profit (loss) for the period9904 | €4,577 | €21,746 | €4,250 | €9,833 | ▲ 131% |
| Profit (loss) for the period to be appropriated9905 | €4,577 | €21,746 | €4,250 | €9,833 | ▲ 131% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €48,694 | €62,893 | €76,267 | €81,683 | ▲ 7.1% |
| Fixed assets21/28 | €26,486 | €25,635 | €38,682 | €47,293 | ▲ 22.3% |
| Tangible fixed assets22/27 | €23,136 | €22,285 | €35,332 | €43,793 | ▲ 23.9% |
| Plant, machinery and equipment23 | €1,903 | €2,278 | €32,481 | €37,435 | ▲ 15.3% |
| Furniture and vehicles24 | €21,233 | €20,007 | €2,851 | €6,358 | ▲ 123% |
| Financial fixed assets28 | €3,350 | €3,350 | €3,350 | €3,500 | ▲ 4.5% |
| Current assets29/58 | €22,208 | €37,258 | €37,585 | €34,390 | ▼ 8.5% |
| Stocks and contracts in progress3 | €4,153 | €4,697 | €6,353 | €4,962 | ▼ 21.9% |
| Stocks30/36 | €4,153 | €4,697 | €6,353 | €4,962 | ▼ 21.9% |
| Amounts receivable within one year40/41 | €5,431 | €12,099 | €3,534 | €6,130 | ▲ 73.5% |
| Trade receivables40 | €4,452 | €11,754 | €506 | €755 | ▲ 49.1% |
| Other amounts receivable41 | €979 | €345 | €3,028 | €5,376 | ▲ 77.6% |
| Cash at bank and in hand54/58 | €11,766 | €19,586 | €26,483 | €21,978 | ▼ 17.0% |
| Deferred charges and accrued income490/1 | €858 | €875 | €1,215 | €1,320 | ▲ 8.6% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €48,694 | €62,893 | €76,267 | €81,683 | ▲ 7.1% |
| Equity10/15 | €14,577 | €36,323 | €40,572 | €19,833 | ▼ 51.1% |
| Contributions10/11 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Profit (loss) carried forward14 | €4,577 | €26,323 | €30,572 | €9,833 | ▼ 67.8% |
| Amounts payable17/49 | €34,117 | €26,571 | €35,694 | €61,850 | ▲ 73.3% |
| Amounts payable after more than one year17 | €1,274 | - | €12,149 | €8,516 | ▼ 29.9% |
| Financial debts170/4 | €1,274 | - | €12,149 | €8,516 | ▼ 29.9% |
| Amounts payable within one year42/48 | €32,639 | €26,341 | €23,315 | €53,104 | ▲ 128% |
| Current portion of amounts payable after more than one year42 | €622 | - | €2,151 | €2,934 | ▲ 36.4% |
| Trade debts44 | €5,257 | €1,756 | €4,492 | €4,606 | ▲ 2.5% |
| Suppliers440/4 | €5,257 | €1,756 | €4,492 | €4,606 | ▲ 2.5% |
| Taxes, remuneration and social security45 | €5,599 | €15,024 | €5,458 | €4,158 | ▼ 23.8% |
| Taxes450/3 | €5,599 | €15,024 | €5,458 | €4,158 | ▼ 23.8% |
| Other amounts payable47/48 | €21,161 | €9,560 | €11,214 | €41,406 | ▲ 269% |
| Accrued charges and deferred income492/3 | €205 | €230 | €230 | €230 | = |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4,577 | €21,746 | €4,250 | €9,833 | ▲ 131% |
| + Depreciation and write-downs630 | €4,768 | €6,788 | €3,788 | €10,481 | ▲ 177% |
| Operating cash flow (approximation) | €9,345 | €28,534 | €8,037 | €20,314 | ▲ 153% |
| Investment in fixed assets (approximation) | - | -€5,937 | -€16,835 | -€19,092 | ▼ 13.4% |
| Change in cash | - | €7,820 | €6,897 | -€4,505 | ▼ 165% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €4,250 ▼80.5%
Net result drops to €4,250, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Highest result since 2022net €21,746 ▲375%
Operating result €31,725, net result €21,746, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.41
Current ratio from 0.68 to 1.41; short-term debt falls from €32,639 to €26,341.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Schoten · 1 establishment unit since 2021
Ground area
511 m²
Building footprint
208 m²
Volume, LiDAR
525 m³
2 parcels, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FAIM FINIT
since 20212.316.443.142
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11443B0557/00B011 | Flanders | 318 m² | 1 · 75 m² | 10.5 m · 3 fl. |
| 11442C0133/00Y002 | Flanders | 193 m² | 1 · 133 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 174 EUR awarded · 174 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 174 EUR | 174 EUR |
Recognitions · licences · registrations
Food safety, FASFC
1 siteSchoten2.316.443.142
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Of 21,853 companies in sector 56112 we hold annual accounts for 9,777. 8,050 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded16-04-2021
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
47120Other non-specialised retail sale
47251Retail sale of wines and spirits
47279Other retail sale of food
56111Full-service restaurants
56210Event catering
E-invoicing
Reachable via Peppol
Peppol ID
0208:0766813704
Registered
04-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.